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Insurance Plans Comparison

Niva Bupa Health Companion Variant 1 vs Star Comprehensive

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Niva Bupa

Health Companion Variant 1

Add 20% of the base sum insured each claim-free year up to 100%, refill the base sum insured once for a different illness, and get animal-bite vaccination up to ₹2,500 with a check-up once every 2 years.

What Makes It Special:

Health Companion Variant 1 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit and no-claim bonus. Variant-specific terms are not separated in the prospectus.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Buyers who want optional daily hospital cash

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

VS
Star

Comprehensive

Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.

What Makes It Special:

An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.

Best For:

  • People under 61 who want to avoid co-payment

  • Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)

  • People who want OPD, dental and eye expenses included

  • Families wanting individual or floater cover up to ₹1 crore

  • Young couples planning a family (maternity and new-born cover)

Insurance Plans Comparison

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Quick Decision Guide

Niva Bupa Health Companion Variant 1

  • Buyers who do not need maternity or OPD cover

  • Hospital cash requires at least 48 hours in hospital.

  • Maternity is not covered, so plan separately if needed.

  • The refill applies only once a policy year.

  • The 36-month PED wait applies, so buy early if you have an existing condition.

Star Comprehensive

  • Things to Consider: Premiums vary by city zone.

  • Things to Consider: Modern treatments and bariatric surgery have sublimits.

  • Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.

  • Things to Consider: 10% co-payment for people who join at age 61 or above.

  • Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).

  • Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.

  • Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).

  • Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.

  • Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.

  • Reasons to Consider: Private single AC room with no fixed room rent cap.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Companion Variant 1
Health Companion Variant 1

Health Insurance Plan

Brochure

VS
Comprehensive
Comprehensive

Health Insurance Plan

Brochure

Room Rent

Health Companion Variant 1

  1. Room Rent Limit: No limit on room category, allowing flexibility in choosing any hospital room.
  2. ICU Limit: No capping on ICU charges, ensuring full coverage for intensive care treatments as per the sum insured.
VS

Comprehensive

Information Unavailable

Advanced Treatments

Health Companion Variant 1

  1. Robotic and CyberKnife Surgery.
  2. Bariatric Surgery.
  3. Modern Cancer Treatments
  4. Organ Transplant Coverage
VS

Comprehensive

Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.

ICU Charges

Health Companion Variant 1

Covered up to the sum insured as part of in-patient care

VS

Comprehensive

Covered up to Sum Insured; no separate ICU cap.

Co-payment

Health Companion Variant 1

Niva Bupa Health Companion Variant 1 does not have a mandatory co-payment for policyholders below 65 years. However, for individuals aged 65 and above, a 20% co-payment applies to all claims.

VS

Comprehensive

This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above

Disease-wise sublimits

Health Companion Variant 1

No disease sublimit schedule in the prospectus

VS

Comprehensive

Information Unavailable

Waiting Period

Health Companion Variant 1

Information Unavailable

VS

Comprehensive

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     
  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
     
  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
Cashless Healthcare Providers

Health Companion Variant 1

10,000+ network hospitals.

VS

Comprehensive

Access to over 14,000+  cashless healthcare providers for seamless treatment.

Daycare Treatment

Health Companion Variant 1

Covered under the policy. 

VS

Comprehensive

covered by the policy.

Cumulative Bonus

Health Companion Variant 1

20% of the expiring base sum insured per claim-free year, up to 100%

VS

Comprehensive

SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%.

AYUSH Treatment

Health Companion Variant 1

Covered under this policy

VS

Comprehensive

AYUSH treatments are covered up to the sum insured.

Consumable Cover

Health Companion Variant 1

Prescribed medicines and consumables during treatment are covered. Annexure II items are not.

VS

Comprehensive

Not mentioned (no separate consumables cover in the policy documents).

Initial Waiting Period

Health Companion Variant 1

30 days, except accidents

VS

Comprehensive

30 days (accidents excepted)

Specific Waiting Period

Health Companion Variant 1

24 months for listed conditions

VS

Comprehensive

24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover

PED Waiting Period

Health Companion Variant 1

36 months

VS

Comprehensive

Information Unavailable

Modern Treatment

Health Companion Variant 1

Covered up to the sum insured

VS

Comprehensive

  1. Covered up to treatment-wise sublimits that vary by Sum Insured, e.g. robotic surgery ₹2.5L (SI ₹5L) to ₹7.5L (SI ₹1 Cr); immunotherapy ₹2.5L to ₹10L; bronchial thermoplasty, prostate vaporisation and IONM up to Sum Insured. Part of Sum Insured.
Annual Health Checkup

Health Companion Variant 1

Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only.

VS

Comprehensive

Information Unavailable

Pre-Hospitalisation

Health Companion Variant 1

60 days before admission

VS

Comprehensive

Information Unavailable

Post-Hospitalisation

Health Companion Variant 1

180 days after discharge

VS

Comprehensive

Information Unavailable

Outpatient Department Cover (OPD Expense)

Health Companion Variant 1

Not covered

VS

Comprehensive

Information Unavailable

Deductible Option

Health Companion Variant 1

Annual aggregate deductible from ₹10,000 to ₹10 lakh

VS

Comprehensive

Information Unavailable

Coverage Options

Health Companion Variant 1

Individual or floater, with optional hospital cash, personal accident and deductible

VS

Comprehensive

Information Unavailable

Claim Settlement Ratio

Health Companion Variant 1

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

VS

Comprehensive

Information Unavailable

Maternity Cover

Health Companion Variant 1

Not covered

VS

Comprehensive

Information Unavailable

Insurance Plans Comparison

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Insurance Plans Comparison

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Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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